Generally speaking, if you are not a permanent resident of Hong Kong, you need to show your Hong Kong identity card and Hong Kong and Macao Pass to handle business in the bank. Some banks will look at your mainland ID card. I once tried at HSBC and will register your mainland address. I haven't heard of this thing you mentioned, but if you really owe 65438+ 1 billion and run back to the mainland, the bank will definitely chase the number. How far is the distance between Hong Kong and Shenzhen? It's not abroad, or I don't know the specific situation, but it will definitely be fine. If Hong Kong residents don't pay back the money they owe, the bank will sue you and you can file for bankruptcy.